5 steps to safer passwords

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1. If a site allows it, use two-step verification: Some sites allow you to set a password and then identify a photo of your choosing, others have passwords followed by secret questions

2. Use a mnemonic device or uncommon formula to create more secure passwords: I Love The 12th Man! becomes ILT12M!

3. Don’t use the same password everywhere: Break passwords into groups like banking, email, social networking, shopping and frequently visited. Use a different master password for each, but add two letters to the end of each that are site specific. So ILT12M!fb would be for your Facebook account.